What are the advantages and disadvantages of ICBC etc credit card?

ICBC etc card has the following advantages: it can enjoy 9.5 discount; You can get an electronic tag by handling a free etc card; You can enjoy a 15% discount on high-speed in the province; There is no handling fee for overruns; Card swiping 5 times a year or spending 5,000 yuan can be exempted from the annual fee of that year.

Disadvantages of ICBC etc credit card: SMS notification service will be charged by 2 yuan every month; It is difficult to redeem points for gifts. More points, fewer kinds of gifts.

In fact, no matter which bank's etc credit card is, it has advantages and disadvantages, but the focus is on which characteristics cardholders value more and which bank's credit card products they can choose.